Spend
with
benefits.
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No interest*. No late fees. Just flexible ways to pay, instant Rewards and credit up to £2250. Get a decision in minutes. *Fees may apply
From 14.99% APR Rep
Credit subject to status. T&Cs apply.
From 14.99% APR Representative
Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. T&Cs apply. Representative Example: 14.99% APR Rep based on a total spend: £1,000 (+£11.50 fees). Total repayable: £1,011.50 paid over 6 weeks or 3 months, 1st payment £11.50, then 2 payments of £333.33 and a final payment of £333.34.Join over 5m customers
“I love how flexible the payment options are”
“Hassle-free service and no hidden charges”
“Easy as 1, 2, 3 and makes shopping a joy”
Our team’s here to help on live chat
or on the phone, seven days a week.
Contact us
Pay over time at thousands
of stores with zero fees.
Only on the app.
Fees may apply at other retailers
We only lend what you can afford. We give you tools to stay on top of your purchases. And there are no hidden fees. Ever.
We've got the answers.
Explore FAQs
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How do Zilch Rewards Work?
When you make a Pay now purchase using Zilch, you’ll get up to 5% back in Rewards. You can save them up or spend them straight away online or in-store. Rewards are credited to your account instantly, so you can keep a tab on how much you’re earning – you’ll see yours racking up in the top right corner of the app.
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How do I sign up?
You can sign up to Zilch in just a couple of taps. First, download the Zilch app via the App Store or Google Play Store, then tap Create account and follow the simple instructions. We’ll run a soft credit check and verify your ID. Once you’re approved, you’ll be able to start spending same day.
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How do I get in touch?
Our Customer Support team is here to help seven days a week. You can speak to them via Live Chat in the app (9am–6pm) or give us a call on 020 3405 9775 (9am–5pm).